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Posted on 7/25/20 at 10:23 am to jkylejohnson
quote:
I'm always stuck between a 2-8k limit. I'm probably too poor to post here
Find out which of your cards only do soft pulls.
Request a credit line increase every 6 months to the day, I have reminders set.
I rotate cards. 6 cards. I use one per month for all expenses every other month. Funnel everything through my Amex every second month.
ETA: if it isn't zero percent I do not carry a balance. The Amex keeps me honest.
This post was edited on 7/25/20 at 10:25 am
Posted on 7/25/20 at 10:31 am to X123F45
quote:
amex
Probably the card I use the least. Their cash back never seems to add up correctly for me and its super slow. I probably use the chase freedom unlimited and cap one quicksilver the most. I also have 6 that I use. The only one I still have 0% interest on in chase.
Posted on 7/25/20 at 10:32 am to yankeeundercover
Good for you but you should be paying off your cards every month. Carrying a balance is how you get into debt, and that balance costs you tons of money in interest. If you can’t afford to pay off your balance every month then you can’t afford what you’re buying
Posted on 7/25/20 at 10:33 am to yankeeundercover
Unfortunately, I think it's about to go the opposite way for most people, especially if they cut the PUA down to nothing.
Debt settlement companies are about to score.
Debt settlement companies are about to score.
Posted on 7/25/20 at 10:34 am to yankeeundercover
No, I don’t carry debt
Posted on 7/25/20 at 10:37 am to yankeeundercover
Yep. I was an idiot and got in a hole too. Feels good to get out of it 
Posted on 7/25/20 at 10:46 am to yankeeundercover
Mine went up 40 pt to 791 just off my house sale 
Posted on 7/25/20 at 11:51 am to yankeeundercover
I tend to pay my CC as soon as the charge posts and it lets me. I mainly use CC's for the protection and keeping my debit card clean and safe.
Posted on 7/25/20 at 11:52 am to BuddyRoeaux
quote:
While I agree about how moronic it is, You have to have good credit to buy anything now....
I’ve never dipped below the excellent range and I’ve never carried credit
Posted on 7/25/20 at 11:54 am to yankeeundercover
Bought a house since Covid started, so no.
Posted on 7/25/20 at 12:02 pm to IndianInBR
Blows my mind you lease a car
Posted on 7/25/20 at 12:03 pm to jkylejohnson
Yeah I totally stopped using my Amex.
I use my Chase Sapphire 99% of the time but occasionally use the Freedom. A few bills are auto routed to the Freedom.
I use my Chase Sapphire 99% of the time but occasionally use the Freedom. A few bills are auto routed to the Freedom.
Posted on 7/25/20 at 12:08 pm to yankeeundercover
Good for you. My family is still shut down thanks to the good old government. We’ve lost tens and tens of thousands of dollars. Thanks at least for that $540 a week unemployment everyone wants cut, or we’d be living on $222 a week instead of the usual $1500 we make by working.
Posted on 7/25/20 at 12:28 pm to yankeeundercover
I basically emptied my checking account and threw it at the mortgage
Posted on 7/25/20 at 12:43 pm to Ignignot
quote:Almost exactly my story.
Got my score from 655 to 722.....
quote:I lost faith in the institutions after being on hold and call after call after call etc. over several months, everyday, that it was extremely difficult and almost a fool’s errand...
Dispute charges
Anyone who’s like, “You just call the CC company, etc. and explain what happened... it’ll all be cool” is FULL OF shite.
Also:
quote:
Just pay down/off your CC’s each month
I should have know that the OT is the smartest, wealthiest, most financially responsible group on the entire internet.
I should have know better than to share my personal good news that I’m proud of
Keep up the good money management, brethren.
This post was edited on 7/25/20 at 12:49 pm
Posted on 7/25/20 at 12:47 pm to yankeeundercover
Mines 350 
Posted on 7/25/20 at 12:54 pm to yankeeundercover
Everything open here.. has been for awhile . Cases up
Posted on 7/25/20 at 12:55 pm to yankeeundercover
Why are you carrying credit card debt to begin with?
Posted on 7/25/20 at 12:56 pm to yankeeundercover
My only debt is my mortgage, so no, I am paying down as little debt as possible
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